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Probably the most serious problem facing our society is the international shift in jobs.  With this type of swift transfer of jobs from the USA to foreign nations, many people have found themselves sacrificing their employer paid health insurance policies.  Many of these men and women, already enduring significant economic hardships, are finding it very costly to continue their medical insurance coverage under Consolidated Omnibus Budget Reconciliation Act laws.  Fortunately, there are economical temporary health insurance policies available for these individuals.

In the past, short term health insurance plans were mainly designed to furnish catastrophic coverage.  Times have changed and modern day plans offer individuals and families many different customized medical insurance solutions to meet their specific requirements.  New short term health insurance plans often bundle coverage for normal routine physician visits as well as doctor prescribed drug coverage.  Such plans can offer significant safeguards against the economic risks of a major medical illness, while still providing access to discounted routine health care services.

Temporary health insurance policies may be acquired from independent insurance agents.  Even though this offers added convenience, many individuals will find it more economical to purchase a medical insurance policy straight from an insurance company.  For example, organizations such as Kaiser Permanente sell short term medical insurance policies directly to the general public.  This basically does away with the middleman markup in fees that usually takes place when dealing with an independent insurance agency.

Because the unemployment problem in the USA is still not under control, it is very important that people think about the amount of time they may be unemployed for prior to purchasing a temporary health insurance plan.  Realistically, it may take over a year for someone to find a new job in the current economy.  With new hire restrictions, it could take an additional six months before a new worker becomes eligible for an employer sponsored medical insurance plan.  For this reason, it is wise to budget for two years of insurance premiums when choosing a short term medical insurance plan.

While unemployment is a difficult issue for families to cope with, it is crucial that everyone has the means to access cost effective medical care.  And while continuing health insurance coverage through the Consolidated Omnibus Budget Reconciliation Act is a good option, there are more affordable short term medical insurance choices readily available for those that have to save as much money as they can.